Re: Being Billed Full Amount for Untimely Insurance Claim
depending on whether you have a PPO type insurance or not will make a difference. If a PPO and this doctor is a preferred provider, the contract between the insurance company and the provider would rule. If you are sure they had your insurance information, most PPO insurances would simply tell the provider they are out of luck and are not allowed to seek payment from the patient.
If this was not a PPO, you were liable for the bill regardless whether the insurance company was billed or not. You didn't pay it when you were made aware of the bill so yes, turning it over to a collection agency is a legitimate action.
I am not an attorney and any advice is not to be construed as legal advice. You might even want to ignore my advice. Actually, there are plenty of real attorneys that you might want to ignore as well.